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mycredit Mastercard
MASTERCARDCash back on everyday spending
mycredit Mastercard
6.9Canada Cards ScoreGoodAnnual fee No feePurchase APR 20.99%
Why get this card
- ✓No annual fee
- ✓Earn 1% on restaurants and recurring pre-authorized payments
- ✓5 insurance coverages
Pros
- +No annual fee
- +5 insurance coverages
Cons
No notable downsides captured.
Earn rates
- Restaurants and recurring pre-authorized payments1%
1% cashback
- All other eligible purchases0.5%
0.5% unlimited cashback
Welcome offer
No welcome offer captured.
Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 20.99%
- Cash advance APR
- 22.49%
- Balance transfer APR
- 22.49%
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 5
- Mobile device protection (up to 2 years, max $1,000)
- Extended warranty (up to double the manufacturer's warranty)
- Purchase protection (90 days against theft/damage)
- Mastercard ID Check
- Mastercard Zero Liability
Redemption & eligibility
- Reward currency
- cashback
- Redemption options
- Cashback applied to credit card balance
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
6.9Good- Everyday earn rateWeight 30
1% on Restaurants and recurring pre-authorized payments
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
5 insurance coverages
- Interest costWeight 10
20.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the mycredit Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the mycredit Mastercard?
- The annual fee is No fee. The purchase interest rate is 20.99% and the cash advance rate is 22.49%. These are sourced from National Bank's official page.
- What rewards does the mycredit Mastercard earn?
- It earns up to 1% on restaurants and recurring pre-authorized payments, in cashback. See the full earn-rate breakdown above.
Official sources
Every figure on this page comes from National Bank's own pages. Last checked 2026-06-17.
Cited, never sponsored
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